Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Considering chasing my charges by A+L but not sure if possible.
Opened account with them for about a year and they closed the account after they found out i was in an IVA. I had charges in the period (probably about £500.00) from memory but not sure as account now closed can i chase.
I have account no etc so can do the deed if required
right got back statements today and what looks like the details of time spent by bank on charges ICANNOT believe the charges £1311.00 in 6months i will send next letter now heres hoping
my worry is thay have sent me a load of sheets with statements that seem to suggest that they are responding to request for manual intervention with relate to the charges or does everyone get these as well?
Hi Kevvy,
not sure exactly what you have on these statements, If there has been manual intervention, which i would doubt, then they must specifically state that. Even if it does, they would then have to prove by accurate, auditable and quantifiable means that this manual intervention was equal in cost to the charge levied against you .. The banks and credit card companies will not be keen to do this as it will prove what we all know already, that they are overcharging!!
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
yep...standard bog off letter we've done nothing wrong send the lba letter. they will probably reply to that with heres a £100 good will payment now get lost. that seems to be there normal pattern. They did that on both my accounts MBNA and A&L (a&l is operated MBNA).
go get em kev
kevin
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
Lets hope so its been pretty straight forward so far but i suppose its not yet begun LOL Just one question with regard to the next stage is it 14days or 14 working days
Kevvy,
generally leave it 14 days in order to allow reasonable time to reply or take action. If they have replied to your preliminary letter within that time frame, then no need to wait any longer go ahead and send the lba straight away
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
if i get response saying no way before 14 days surely mcol can be done immediately. Also how do you attach Breakdown and interest breakdown to the claim online.
Kevvy,
generally leave it 14 days in order to allow reasonable time to reply or take action. If they have replied to your preliminary letter within that time frame, then no need to wait any longer go ahead and send the lba straight away
hi kevvy,
yep, as i said, if they respond within the 14 days then go straight to the next step .
so if you have already sent the LBA and they have responded with the usual get lost reply then go straight on to the money claim
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
Right i have received second Bog off letter today can you tell me if this is usual as it reads
The OFT has commented that they consider the level of late payment charges to be unfair, however they were actually refereing to late payment fees for credit card payments only which are quite distinct from a banks charges on current account.
They say the cannot accept that i have been unfairly charged.
Hi kevvy,
standard bog off letter. At no point in the process do they admit any wrong doing. Even when they pay up, which they will, they will still state that their charges are fair, we have done nothing wrong blah blah blah.....
straight to the money claim then... go get em
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
ok mate thanx for help just one question was going to MCOL but there is no way of attaching your spreadsheet for costs do you not send it just the Breakdown on the claim form
Yep, just the Breakdown on the claim form is all you need right now. A&L already have your schedule of charges, if it gets to the allocation questionaire then you can attach it then. If they do as they did on my claim and my MBNA claim (same people , MBNA) they will pay up when their response to your money claim is due back to the court and submit their defence that the claim is paid in full.
Actions in progress Natw West on hold pending test case LLoyds claim 3 on hold pending test case,
Claims Settled LLOYDS TSB x 2 WON, MBNAWON, A&LWON, GE Money x 2 WON , c o-op visa WON, capital one visaWON, Halifax (o/h) WON, capquest, WON
ME v Alliance and Leicester
Reply With Quote
Actions in progress
Claims Settled
Originally Posted by kfdh1962
